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  • Excess Casualty

Excess Casualty Coverage and Insurance

Protecting your business is as important to us as it is to you—particularly when dealing with large losses beyond what your primary insurance can cover. Travelers provides an extra layer of protection with monoline umbrella and excess liability through our Travelers Excess Casualty unit. Dedicated underwriting, actuarial and claim teams leverage industry expertise and specialization to deliver a total cost of risk solution, providing peace of mind to our customers for their largest and most complex losses.

What Is Excess Liability Insurance?

Excess liability insurance is coverage provided for the big, unexpected events that can have potentially catastrophic results on your business – from auto accidents to products liability claims. Our expertise is rooted in a foundation of deep industry knowledge and a commitment to delivering customized insurance solutions based on the risks and challenges your business faces every day. Excess liability limits up to $25 million are available, and all excess liability coverage is backed by the financial strength and stability of Travelers. Whether you're looking for lead umbrella or excess liability coverage, you can count on Travelers to be there when you need us.

Who Is Excess Liability Coverage Right For?

  • Manufacturers
  • Real estate
  • Retail businesses including clothing, department and grocery stores
  • Financial institutions and insurance companies
  • Media companies (excluding media liability) 
  • Printers and publishers
  • Hotels and motels
  • Construction contractors
  • Wholesalers/distributors

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What Excess Casualty and Commercial Umbrella Insurance Covers:

  • Lead umbrella and excess liability coverage
  • $25 million in capacity
  • Coverage offered through our A/B Umbrella form
  • Crisis management services expenses coverage automatically included in our A/B Umbrella form at no additional cost
  • Ability to provide coverage on a worldwide basis
  • Ability to provide umbrella/excess coverage of aircraft, foreign, personal umbrella liability; miscellaneous professional liability; and media liability for printers, publishers, broadcasters
  • Most-favored jurisdiction endorsement – provides admitted coverage for punitive damages
  • Ability to write admitted and non-admitted policies*

Excess Liability Insurance vs. Commercial Umbrella Insurance

What is the difference between umbrella insurance and excess liability insurance? The two coverages are often confused, but there are important distinctions between the two.

  • Umbrella insurance provides higher coverage limits for your primary policies in addition to covering exposure gaps in those policies.
  • Excess liability insurance serves as an extra layer of protection for losses in excess of your primary and umbrella policy limits but does not provide broader coverage beyond those underlying policies.

Having both commercial umbrella and excess liability coverage may be an important consideration for your organization’s risk management plan. Consult with your Travelers agent for details.

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Travelers has the products, services and expertise to meet a wide range of international insurance needs in over 120 countries worldwide.

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Provides organizations of all sizes coverage to help protect against data breaches and other fast-evolving cyber exposures.

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Offers liability and physical damage protection for your business automobile(s) and for employee drivers.

General Liability

Travelers offers a wide range of general liability options to help protect your business.

Management & Professional Liability

Policies that fit your unique responsibilities and exposures – whether you’re a private, public, nonprofit or a financial institution.

Workers Compensation

Travelers has been providing workers compensation coverage for more than 100 years, and we have built a broad range of innovative services, all delivered locally in your community.

Insights & Expertise

4 Factors Causing Social Inflation

4 Factors Causing Social Inflation

Claim values in general liability cases are increasing, and social inflation is a major factor contributing to the rise.

Top 100 Verdicts of 2021

Top 100 Verdicts of 2021

Travelers helps protect against big, unexpected and potentially devastating events like the ones listed in The National Law Journal's Top 100 Verdicts.

Trial by Fire

Trial by Fire: 5 Lessons About Surviving a Products Liability Lawsuit

Learn how one electronics manufacturing company fought back against a multimillion dollar products liability lawsuit.

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How to Identify Counterfeit Parts

Counterfeit parts can be costly and dangerous. Help protect your supply chain by watching out for these signs.

Excess/Catastrophic Liability Risk List

Catastrophic Liability Risk List

Learn about 6 trending facts contributing to today's catastrophic liability risks.

Typical Liability Limits Purchased

Typical Liability Limits Purchased

Learning where your business falls on the limits scale can help you determine the level of liability coverage you may need.

Related Services

Risk Control

With more than 115 years of risk expertise and a staff of 500+ Risk Control consultants, Travelers has the experience and technical proficiency to help businesses manage their risks.

Claim

Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business.

*Coverage is underwritten by Travelers Excess and Surplus Lines Company, a subsidiary of Travelers. Travelers Excess and Surplus Lines Company is a U.S.-based surplus lines insurer, and the information in this document is provided for general informational purposes and does not constitute an offer to sell or a solicitation.

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Umbrella for Small Business

Travelers offers small business solutions to help you protect and grow your business.


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